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What is a Payday Loan?  

A payday loan or payday advance is a small financial loan; typically up to $1000, that can be used to help resolve short term financial emergencies. Payday loans can be an excellent short term source of emergency funds, but the loan needs to be repaid when you get your next paycheck.  The loan payment date will be clearly spelled out in the signed loan agreement.  

What is the APR?

We are not the lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. The terms of the loan will be clearly spelled out in your loan agreement, please review the loan agreement and related documents before signing.  If you do not find the terms of the loan acceptable, you can refuse to sign the loan agreement.  You are under no obligation until you sign the loan agreement. Ask your lender for their current rates and charges and their policies for non-payment.

Our lenders may offer you a loan with an APR between: 200% and 2281%. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.  

What if I don't pay (implication of non & late payment)?

If you do not pay your loan according to its terms, your lender may:

-Charge you late fees
-Send your account to a collection agency
-Report your information to a consumer reporting agency, which may negatively affect your credit score
-Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest

More on on-line payday loans

A Cash Payday Loans allows customers to bridge the gap between pay days. Many consumers often call payday loans other terms such as pay advance, payday advance, pay loan, pay advice advance, and paycheck advance; though payday loan is the most common term used to describe this short term unsecured loan.

Whether it is an unexpected utility bill amount, a broken down car, a medical bill, shortage in the borrower’s general living fund, or an unexpected bill; a payday loan is a viable option to help cover the borrower’s expenses until their next payday. Payday loans are often a life saver in financial emergency situations where there is a shortage of cash, and bills/expenses to pay. Payday loans play a vital role in help millions of Americans meet emergency obligations between paychecks. The fact of the matter is that payday loans can have several benefits for consumers and when used responsibly can actually be a better alternative to late bill payments and fees, bouncing checks, disconnected utilities, or eviction. With the decreased savings levels for Americans, payday loans have become an extremely popular instrument in paying bills and living expenses.

Payday loans are available via brick and mortar payday loan stores and through on-line payday loan lenders. The process for on-line payday loans is very stream-lined these days, and borrowers are able to get cash deposited in their accounts from the comfort of their office or couch. In years past, payday loans would typically take a few business days to get approved and wire the cash to the borrower’s checking account; today it is possible for the borrower to get cash deposited to their account within a few hours. Traditional banks can often take weeks to approve and fund a short term unsecured loan, payday loans are able to be funded in a fraction of the time; typically in one business day.

There are thousands of payday loan lenders in the marketplace, so the borrower will want to ensure they utilize a reputable lender. Borrowers can check the reputation of potential lenders via the Better Business Bureau or by checking on-line for comments from other borrowers that used that lender. Typically, payday loan lenders will verify that the borrower has a valid checking account and they are employed; so that the payday loan can be repaid on the next payday.

As with any loan, consumers want to ensure they borrow responsibly, and have a fiscal plan in place to repay the loan when their next paycheck arrives. Fees and rates vary from lender to lender and from state to state, so the consumer will want to ensure they fully understand the fees and rates being charged for the respective payday loan.


Application took me less than 5 minutes, and I had cash in my account the next day.  Paid a few urgent bills, thanks again. 

G. Patterson
Chicago IL

Needed some extra flow to pay the water and electric bill.  Bridge Payday came through with no questions asked.  Turbo fast!  3>

S. Hands
Weston, FL

Thank you for helping us.  Y'all were lifesavers.  Bridge Payday helped us in a pinch.  The car is fixed, and everything is back to normal. Thumbs up!

J. Parsons
Charlotte, NC